Online Banking | Accentra CU | Austin, Albert Lea, Kasson (2024)

Accentra Credit Union goes digital

Access your accounts for free, 24 hours a day with easy-to-use Online Banking.

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Benefits You’ll Love

Fast, free, secure, and easy-to-use
View account balances and track transactions
Enroll in and view eStatements
Set up one-time and recurring bill pay

Free online banking with Accentra Credit Union allows you to:

View account balances and statements
Make transfers
Make payments on your loans
Make payments to your Accentra credit card
Order checks

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Pay one-time or recurring bills with ease:
- Schedule payments in advance
- Set up payment reminders
- Ensure payments are received on time
- Have all payee information in one convenient place
- Retain funds until paper drafts are presented for payment
Avoid paper clutter
More secure than paper billing
Make more time for yourself; fewer bank trips necessary
Print or download to popular financial management software

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Buy vs. Lease CalculatorDisclaimer

This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.

Net cost of buying $0
Net cost of leasing $0

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Balloon Loans

Term Rates	Rate	APR* _{as low as}
5 Year Balloon	6.000%	6.273%
7 Year Balloon	6.125%	6.399%
10 Year Balloon	6.375%	6.765%

*APR = Annual Percentage Rate. On approved credit. Not all will qualify for the lowest rate. Balloon Loan repayment terms and an amortization schedule.

Boats, RVs, Campers

Age of Vehicle	0-2 years	3-5 years	6-10 years	10+ years
Term Rates	APR* _{as low as}	APR* _{as low as}	APR* _{as low as}	APR* _{as low as}
12 Months	7.62%	8.87%	9.37%	9.87%
24 Months	7.44%	8.69%	9.19%	9.69%
36 Months	7.38%	8.63%	9.13%	9.63%
48 Months	7.34%	8.59%	9.10%	9.60%
60 Months	7.47%	8.73%	9.23%	9.73%
72 Months	7.56%	8.81%	9.31%	9.81%
84 Months	8.05%	9.30%	9.80%	10.30%
120 Months	8.24%	9.49%	9.99%	10.49%
144 Months	8.43%	9.68%	10.18%	10.68%
180 Months	8.52%	9.78%	10.28%	N/A

*APR = Annual Percentage Rate. Actual rate will be based on individual’s credit rating, amount financed, and other factors. On approved credit. Not all will qualify for the lowest rate. Rates are subject to change. APR based on loan amount of $25,000 for term and rate chosen. Other dollar amounts available. Payment example: A 60 month $25,000 fixed rate secured new boat/camper/RV loan at 7.47% APR* has an approximate monthly payment of $500.64.

Business Checking and Money Market Savings Interest Rates

Dividend Rate	APY*	Interest Compounded	Balance
0.05%	0.05%	Monthly	$0 - $9,999
0.10%	0.10%	Monthly	$10,000 - $24,999
0.15%	0.15%	Monthly	$25,000 - $49,999
0.20%	0.20%	Monthly	$50,000 - $99,999
0.35%	0.35%	Monthly	$100,000 - $249,999
0.50%	0.50%	Monthly	$250,000 - Greater

*APY = Annual Percentage Yield.

Cars, Trucks, and Vans

Age of Vehicle	0-2 years	3-5 years	6-10 years	10+ years
Term Rates	APR* _{as low as}	APR* _{as low as}	APR* _{as low as}	APR* _{as low as}
12 Months	6.67%	7.92%	8.42%	8.92%
24 Months	6.49%	7.74%	8.24%	8.74%
36 Months	6.42%	7.68%	8.18%	8.68%
48 Months	6.49%	7.74%	8.24%	8.74%
60 Months	6.67%	7.93%	8.43%	8.93%
72 Months	6.71%	7.96%	8.46%	8.96%

* APR = Annual Percentage Rate. Actual rate will be based on individual’s credit rating, amount financed, and other factors. On approved credit. Not all will qualify for the lowest rate. Rates are subject to change. APR based on loan amount of $25,000 for term and rate chosen. Other dollar amounts available. Payment Example: A 60 month $25,000 fixed rate secured new auto loan at 6.67% APR* has an approximate monthly payment of $491.19.

Certificate Accounts

Term	Rate	APY*	Interest Compounded	Minimum Opening Deposit
3 Months	0.20%	0.20%	At Maturity	$500.00
6 Months	0.25%	0.25%	At Maturity	$500.00
6 Months Special***	5.15%	5.21%	At Maturity	$500.00
12 Months	0.30%	0.30%	Quarterly	$500.00
12 Months Special	0.50%	0.50%	Quarterly	$2,500.00
18 Months**	3.99%	4.06%	Monthly	$10.00
24 Months	0.40%	0.40%	Quarterly	$500.00
36 Months	0.50%	0.50%	Quarterly	$500.00
48 Months	0.60%	0.60%	Quarterly	$500.00
60 Months	0.70%	0.70%	Quarterly	$500.00

*APY = Annual Percentage Yield
**Applies to 18 month term only: the interest rate and Annual Percentage Yield (APY) are variable and is based on an Index. 18 month certificate is not available to Business Accounts.
*** Applies to 6 month special certificate only: At maturity, the 6-month special certificate will automatically renew at the standard 6-month certificate's rate and term.

Christmas Club

Dividend Rate	APY*	Interest Compounded	Minimum Opening Deposit
0.10%	0.10%	Quarterly	$20.00

*APY = Annual Percentage Yield. Dividends are calculated on an average daily balance, and are compounded and credited quarterly. Dividend rates and APY's may change monthly after the account is opened, based on market conditions. Withdrawals and service charges or fees may reduce earnings.

Construction Loans

Term Rates	Rate	APR* _{as low as}
Up to 1 Year	6.000%	6.273%

*APR = Annual Percentage Rate. On approved credit. Not all will qualify for the lowest rate. During the construction phase, payments are interest only based on the loan amount advanced.

Home Equity - Line of Credit

Term Rates	APR* _{as low as}
Introductory Rate for 6 months	3.900%
Rate after 6 months	8.500%

*APR = Annual Percentage Rate. On approved credit. Not all will qualify for the lowest rate. Payments: 1.0% of principal balance owed on the monthly billing date (minimum payment $50) after each new advance. Loan term is 20 years - 10 year draw period and 10 repayment period. Rate subject to change semi-annually. Maximum rate 18%. A 20 year $30,000 variable rate home equity loan at 8.50% APR has an approximate monthly payment of $300. Other terms and amounts are available.

Home Equity Loans

Term Rates	Rate	APR* _{as low as}
5 Year Fixed Rate, Up to 80% of Value	6.125%	6.416%
10 Year Fixed Rate, Up to 80% of Value	7.125%	7.283%

*APR = Annual Percentage Rate. On approved credit. Not all will qualify for the lowest rate. Payment example: A 5 year $15,000 fixed rate home equity loan at 6.416% APR has an approximate monthly payment of $290.86. Other terms and amounts are available.

Home Improvement Loans

Loan Amount	APR* _{as low as}
Up to $10,000	6.25%

*APR = Annual Percentage Rate. Actual rate will be based on individual’s credit rating, amount financed, and other factors. On approved credit. Not all will qualify for the lowest rate. Rates are subject to change. APR = Annual Percentage Rate is based on a $100,000 mortgage with a 1% origination fee and a 20% down payment.

Home Loans

Term Rates	Rate	APR* _{as low as}
10 Year Fixed	6.375%	6.765%
15 Year Fixed	6.500%	6.871%
20 Year Fixed	6.375%	6.670%
30 Year Fixed	6.875%	7.105%

*APR = Annual Percentage Rate. On approved credit. Not all will qualify for the lowest rate. Fixed rate repayment terms and an amortization schedule.

IRA Savings

Dividend Rate	APY*	Interest Compounded	Minimum Opening Deposit
0.10%	0.10%	Quarterly	$20.00

Kasasa Cash*

Balance	Minimum Opening Deposit	Rate	APY
0 - $15,000	$x	0.00%	0.00%
$15,000+	$x	0.00%	0.00%
All balances if qualifications not met	$x	0.00%	0.00%

Qualifications

Kasasa Saver*

Balance	Minimum Opening Deposit	Rate	APY
0 - $15,000	$x	0.00%	0.00%
$15,000+	$x	0.00%	0.00%
All balances if qualifications not met	$x	0.00%	0.00%

Qualifications

Money Market Savings

Dividend Rate	APY*	Interest Compounded	Balance
0.05%	0.05%	Monthly	$0 - 2,499
0.05%	0.05%	Monthly	$2,500 - 9,999
0.10%	0.10%	Monthly	$10,000 - 24,999
0.15%	0.15%	Monthly	$25,000 - 49,999
0.20%	0.20%	Monthly	$50,000 - 99,999
0.35%	0.35%	Monthly	$100,000 - Greater

Motorcycles, ATVs, Snowmobiles, and Jetskis

Age of Vehicle	0-2 years	3-4 years	5-7 years	8+ years
Term Rates	APR* _{as low as}	APR* _{as low as}	APR* _{as low as}	APR* _{as low as}
12 Months	7.87%	8.87%	9.12%	9.62%
24 Months	7.69%	8.69%	8.94%	9.44%
36 Months	7.63%	8.63%	8.88%	9.38%
48 Months	7.79%	8.80%	9.05%	9.55%
60 Months	7.88%	8.88%	9.13%	9.63%
72 Months	8.06%	9.06%	9.31%	9.81%

*APR = Annual Percentage Rate. Actual rate will be based on individual’s credit rating, amount financed, and other factors. On approved credit. Not all will qualify for the lowest rate. Rates are subject to change. APR based on loan amount of $25,000 for term and rate chosen. Other dollar amounts available. Payment Example: A 60 month $25,000 fixed rate secured new PowerSport loan at 7.88% APR* has an approximate monthly payment of $505.41.

Other Secured Loans

Age of Vehicle	0-2 years	3-4 years	5-7 years	8+ years
Term Rates	APR* _{as low as}	APR* _{as low as}	APR* _{as low as}	APR* _{as low as}
12 Months	7.87%	9.12%	9.62%	10.12%
24 Months	7.69%	8.94%	9.44%	9.94%
36 Months	7.63%	8.88%	9.38%	9.88%
48 Months	7.59%	8.85%	9.35%	9.85%
60 Months	7.73%	8.99%	9.49%	9.99%
72 Months	7.81%	9.06%	9.56%	10.06%
84 Months	8.05%	9.30%	9.80%	10.30%
120 Months	8.54%	9.79%	N/A	N/A

*APR = Annual Percentage Rate. Actual rate will be based on individual’s credit rating, amount financed, and other factors. On approved credit. Not all will qualify for the lowest rate. Rates are subject to change. APR based on loan amount of $25,000 for term and rate chosen. Other dollar amounts available. Payment Example: A 60 month $25,000 fixed rate new other secured loan at 7.73% APR* has an approximate monthly payment of $503.74.

Share Savings

Dividend Rate	APY*	Interest Compounded	Minimum Opening Deposit
0.05%	0.05%	Quarterly	$5.00